Burial Insurance Quotes
Burial Insurance Quotes: Compare Rates in Minutes
Get instant burial insurance quotes (final expense life insurance) without a medical exam. We compare 100+ top-rated carriers to find the best price for your health profile and budget.
Burial Insurance Quote Calculator (Real-Time Rates)
Run instant quotes from multiple companies and see level premiums for common coverage amounts ($5,000–$30,000).
Quotes are estimates and subject to underwriting. Final rates depend on age, state, tobacco status, and health history.
What Burial Insurance Covers and How It Works
Final expense whole life coverage with level premiums
Burial insurance is a small whole life policy designed to protect loved ones from funeral bills, medical balances, and other final expenses. Premiums are typically level for life, coverage doesn’t expire, and the benefit is generally paid income-tax free to your beneficiary.
- No medical exam for most plans—just simple health questions.
- Coverage choices commonly range from $5,000 to $30,000.
- Fast decisions—many simplified-issue applications approve within days.
How to Compare Burial Insurance Quotes Effectively
Use multiple carriers and match underwriting to your health
Price varies widely by company, age, tobacco status, and health. Comparing quotes across many insurers usually produces the best offer. We’ll match your profile to carriers with the most favorable guidelines for your conditions.
- Policy type: Level benefit (day-one coverage) vs. graded or guaranteed-issue (two-year waiting period for natural causes).
- Riders: Accidental death riders, accelerated death benefits, or child riders—add only if needed.
- Company strength: Favor stable, well-rated carriers with consistent underwriting.
Burial Insurance Costs and Ways to Save
What drives your premium and how to control it
Premiums are driven by age, state, health history, and coverage amount. To keep costs down:
- Right-size your benefit—match local funeral costs (often $10k–$15k) plus small debts.
- Apply sooner—waiting increases cost and can reduce eligibility.
- Use simplified issue if you qualify—lower cost than guaranteed issue.
Getting Burial Insurance Quotes with Health Conditions
Diabetes, heart conditions, kidney disease, and disability
We routinely help clients compare quotes with common conditions. Start with these focused guides and see which carriers are friendliest:
How to Apply for Burial Insurance and Get Approved
Five simple steps from quote to coverage
- Estimate your need with our burial insurance calculator.
- Compare multiple carriers using the quote tool above.
- Pre-screen health details (medications, diagnoses) to avoid declines.
- Submit your application—e-signature makes it quick and paperless.
- Receive your decision—many approvals in minutes to a few days.
Prefer personal help? Explore our burial insurance service overview and we’ll do the shopping for you.
Common Burial Insurance Quote Mistakes to Avoid
Protect your eligibility and lock in the right pricing
- Waiting too long to apply—age and new diagnoses raise premiums.
- Choosing guaranteed-issue unnecessarily—if you qualify for day-one level benefits, they’re usually cheaper.
- Underinsuring final expenses—consider funeral costs, medical bills, and small debts.
Related Burial Insurance Guides and Tools
Want personal help comparing quotes?
We’ll match your health profile to the most lenient underwriting and lowest pricing.
FAQs: Burial Insurance Quotes
What is burial insurance and what does it cover?
Burial insurance (final expense whole life) is a small life policy that pays a tax-free cash benefit to cover funeral costs, medical bills, and other last expenses. Beneficiaries can use the funds for any need.
How are burial insurance quotes calculated?
Quotes are based on age, state, coverage amount, tobacco status, and basic health questions. We compare multiple carriers to find level-premium options that fit your budget.
Do I need a medical exam to get a quote or apply?
No exam is typically required. Most plans are simplified issue (health questions only) or guaranteed issue (no health questions). Your quote reflects the plan type you qualify for.
Is there a waiting period before the full benefit is payable?
Level benefit plans often provide day-one coverage. Guaranteed-issue plans usually include a two-year graded period for natural causes; accidental death is generally covered immediately.
How much burial insurance coverage do most people buy?
Common face amounts range from $8,000 to $20,000, sized to local funeral costs and personal preferences. We’ll help you right-size coverage so you don’t overpay.
Will my premiums ever increase or can my policy expire?
Final expense whole life typically has lifetime coverage and level premiums that never increase, as long as payments are made on time.
Can I qualify if I have health conditions like diabetes or heart issues?
Yes—many carriers are condition-friendly. If simplified issue isn’t available, guaranteed-issue plans can still provide coverage. We’ll match you to the best fit for your health profile.
How fast can I get covered after I accept a quote?
Many simplified-issue applications are approved the same day or within a few days. Guaranteed-issue policies can be issued quickly after basic eligibility checks.
Can I buy burial insurance for a parent or loved one?
Yes. With the insured’s knowledge and consent, you can be the owner and payer of the policy and designate yourself (or another person) as beneficiary.
What’s the best way to get accurate quotes?
Compare multiple carriers and plan types side by side. You can start with our burial insurance calculator tool and then finalize pricing with an advisor to confirm eligibility and lock in level premiums.
